Reviewing Jiayin Group (NASDAQ:JFIN) and Core Scientific (NASDAQ:CORZ)

Jiayin Group (NASDAQ:JFIN) and Core Scientific (NASDAQ:CORZ) are both small-cap computer and technology companies, but which is the superior investment? We will contrast the two companies based on the strength of their profitability, dividends, institutional ownership, earnings, analyst recommendations, valuation and risk.

Profitability

This table compares Jiayin Group and Core Scientific’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Jiayin Group	22.18%	58.72%	25.24%
Core Scientific	N/A	N/A	N/A

Insider & Institutional Ownership

44.1% of Jiayin Group shares are held by institutional investors. 51.2% of Jiayin Group shares are held by insiders. Comparatively, 32.0% of Core Scientific shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Valuation and Earnings

This table compares Jiayin Group and Core Scientific’s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Jiayin Group	$5.82 billion	0.06	$182.75 million	$3.35	1.79
Core Scientific	$575.23 million	3.13	N/A	N/A	N/A

Jiayin Group has higher revenue and earnings than Core Scientific.

Analyst Recommendations

This is a breakdown of current ratings and price targets for Jiayin Group and Core Scientific, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Jiayin Group	0	0	0	0	N/A
Core Scientific	0	0	7	0	3.00

Core Scientific has a consensus price target of $14.71, suggesting a potential upside of 45.11%. Given Core Scientific’s higher possible upside, analysts plainly believe Core Scientific is more favorable than Jiayin Group.

Summary

Jiayin Group beats Core Scientific on 6 of the 9 factors compared between the two stocks.

About Jiayin Group

Jiayin Group Inc., together with its subsidiaries, provides online consumer finance services in the People's Republic of China. The company operates a fintech platform that facilitates connections between individual borrowers and financial institutions. It also offers referral services for investment products offered by the financial service providers; and technology development and services, as well as guarantee services. The company was founded in 2011 and is headquartered in Shanghai, the People's Republic of China. Jiayin Group Inc. operates as a subsidiary of New Dream Capital Holdings Limited.

About Core Scientific

Core Scientific, Inc. provides digital asset mining services in North America. It operates through two segments, Mining and Hosting. The company offers blockchain infrastructure, software solutions, and services; and operates data center mining facilities. It also mines digital assets for its own account; and provides hosting services for other large bitcoin miners, which include deployment, monitoring, trouble shooting, optimization, and maintenance of its customers' digital asset mining equipment. In addition, the company provides electrical power, repair, and other infrastructure services to operate, maintain, and earn digital assets; and sells mining equipment to customers. Core Scientific, Inc. was founded in 2017 and is headquartered in Dover, Delaware.